The three worksheets below provide
most, if not all, of the questions you should be asking regarding long term care. The worksheets
also provide space to record the answers for all of the policies you may be considering, whether
with the same company or with competing companies. This will provide you with a clear picture of
the differences between the policies you are considering, which should make your decision easier.
You may wish to modify this form and add questions of your own. The point is it does provide a
useful starting point to help you make this very important decision.
| Insurance company information | Policy #1 | Policy #2 |
1. Name of insurance 2. Is the company licensed in your state? 3. Name 4. Is the agent properly licensed? 5. Levels of care covered by the policy 6. Does the policy provide benefits for these levels of care? a. b. Personal/Custodial care? (In many states, both level of care are required.) 7. Does the policy pay for any nursing home stay, no matter what level of care 8. If not, what levels are not covered? align="left">Where can you receive covered care?9. Does the 10. If not, what does it not pay 11. Does the policy provide home care benefits for: align="left"> a. Skilled nursing care? 12. Does the policy pay for care a. Adult day care centers?
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